Alpena Alcona Area Credit Union is a member-owned, not-for-profit financial cooperative dedicated to being your most trusted financial partner for life. Since 1953, we have operated under the philosophy of “people helping people,” prioritizing personalized service and community reinvestment over corporate profits.

Serving over 44,000 members across Michigan, AAACU offers a comprehensive suite of financial solutions, including low-rate auto loans and mortgages, high-yield savings and checking accounts, and robust commercial lending for local businesses. Members also benefit from modern convenience with our full range of e-Services, including mobile banking and remote deposit.

As a credit union, our "shareholders" are our members. This allows us to return our earnings to you in the form of lower loan rates, higher deposit yields, and low-to-no-fee services. Whether you are looking to buy your first home, save for retirement, or manage your daily finances, our team of certified financial counselors is here to help you reach your goals.
Membership is open to anyone who lives, works, owns property, attends school, or worships in the state of Michigan. Experience the credit union difference at any of our nine regional branches.

Year Established: 1953
Service Area: Entire State of Michigan
Key Services: Personal & Business Banking, Mortgages, Auto Loans, Investment Services, and Financial Counseling.
Mission: To be our members' most trusted and valued financial partner for life.